EPF Calculator

₹

= ₹30,000 (30 thousand)

years

years

EPF is paid out in full when you retire at 58. Change it to see an earlier exit.

₹

From the EPFO passbook. Leave 0 if you are just starting.

%

%

12% is the rule. Anything above it is Voluntary PF (VPF) and earns the same interest.

PF worked out on

Many employers cap PF at the wage ceiling. Your salary slip shows which.

Pension scheme (EPS) member

If you joined with pay above the wage ceiling, you may not be in EPS. Then the employer’s full 12% goes to EPF.

%

EPF paid 8.25% for FY 2025-26. EPFO sets the rate every year.

EPF balance at 58

₹2,00,86,979

2.01 crore rupees

  • Your contributions 17.2%
  • Employer 13.1%
  • Interest 69.7%
Monthly into EPF now (you + employer)
₹5,117
Your contributions
₹34,58,755
Employer’s contributions to EPF
₹26,33,887
Interest earned
₹1,39,94,338
Went to the pension scheme (EPS)
₹8,24,868
  • Assumes the same interest rate every year. EPFO declares a new rate each year.
  • The EPS part is not in this balance. It pays a monthly pension from 58 after 10 years of service.

Year-by-year table and more on Gainly ↗